WO2006133141A3 - Billing system and method for micro-transactions - Google Patents

Billing system and method for micro-transactions Download PDF

Info

Publication number
WO2006133141A3
WO2006133141A3 PCT/US2006/021836 US2006021836W WO2006133141A3 WO 2006133141 A3 WO2006133141 A3 WO 2006133141A3 US 2006021836 W US2006021836 W US 2006021836W WO 2006133141 A3 WO2006133141 A3 WO 2006133141A3
Authority
WO
WIPO (PCT)
Prior art keywords
billing
billing system
transaction
intermediary
customer
Prior art date
Application number
PCT/US2006/021836
Other languages
French (fr)
Other versions
WO2006133141A2 (en
Inventor
Michael Pousti
Original Assignee
Sms Ac Inc
Michael Pousti
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sms Ac Inc, Michael Pousti filed Critical Sms Ac Inc
Priority to CA002610216A priority Critical patent/CA2610216A1/en
Priority to AU2006255078A priority patent/AU2006255078A1/en
Priority to EP06772228A priority patent/EP1902414A2/en
Publication of WO2006133141A2 publication Critical patent/WO2006133141A2/en
Publication of WO2006133141A3 publication Critical patent/WO2006133141A3/en

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/73—Validating charges
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1442—Charging, metering or billing arrangements for data wireline or wireless communications at network operator level
    • H04L12/1446—Charging, metering or billing arrangements for data wireline or wireless communications at network operator level inter-operator billing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L12/00—Data switching networks
    • H04L12/02—Details
    • H04L12/14—Charging, metering or billing arrangements for data wireline or wireless communications
    • H04L12/1453—Methods or systems for payment or settlement of the charges for data transmission involving significant interaction with the data transmission network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/48—Secure or trusted billing, e.g. trusted elements or encryption
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/84—Types of notifications
    • H04M15/844—Message, e.g. SMS
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/02—Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0156—Secure and trusted billing, e.g. trusted elements, encryption, digital signature, codes or double check mechanisms to secure billing calculation and information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/70—Administration aspects, modify settings or limits or counter-check correct charges
    • H04M2215/7072—Validate charges
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
    • H04M2215/8129—Type of notification
    • H04M2215/8137—Message, e.g. alphanumeric text, SMS, MMS, EMS or www-based messaging service
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10—TECHNICAL SUBJECTS COVERED BY FORMER USPC
    • Y10S—TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y10S705/00—Data processing: financial, business practice, management, or cost/price determination
    • Y10S705/901—Digital rights management
    • Y10S705/902—Licensing digital content

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Meter Arrangements (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

Billing a customer through an intermediary billing system for a transaction by receiving, at the intermediary billing system, a transaction request associated with a transaction amount and a customer identification code, validating, in the intermediary billing system, the transaction request by determining whether the customer identification code corresponds to a customer that is registered with the intermediary billing system, and sending, in the case that the transaction request is valid, a billing event trigger associated with the customer identification code to an external billing mechanism, the billing event trigger representing the transaction amount.
PCT/US2006/021836 2005-06-06 2006-06-06 Billing system and method for micro-transactions WO2006133141A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002610216A CA2610216A1 (en) 2005-06-06 2006-06-06 Billing system and method for micro-transactions
AU2006255078A AU2006255078A1 (en) 2005-06-06 2006-06-06 Billing system and method for micro-transactions
EP06772228A EP1902414A2 (en) 2005-06-06 2006-06-06 Billing system and method for micro-transactions

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US68766305P 2005-06-06 2005-06-06
US60/687,663 2005-06-06
US68964105P 2005-06-10 2005-06-10
US60/689,641 2005-06-10

Publications (2)

Publication Number Publication Date
WO2006133141A2 WO2006133141A2 (en) 2006-12-14
WO2006133141A3 true WO2006133141A3 (en) 2007-10-11

Family

ID=37499031

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/021836 WO2006133141A2 (en) 2005-06-06 2006-06-06 Billing system and method for micro-transactions

Country Status (5)

Country Link
US (2) US8073774B2 (en)
EP (1) EP1902414A2 (en)
AU (1) AU2006255078A1 (en)
CA (1) CA2610216A1 (en)
WO (1) WO2006133141A2 (en)

Families Citing this family (122)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7640211B2 (en) * 2004-03-12 2009-12-29 Sybase 365, Inc. System and method for billing augmentation
US8346593B2 (en) 2004-06-30 2013-01-01 Experian Marketing Solutions, Inc. System, method, and software for prediction of attitudinal and message responsiveness
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
EP1902414A2 (en) * 2005-06-06 2008-03-26 SMS. AC, Inc. Billing system and method for micro-transactions
WO2007030525A2 (en) * 2005-09-07 2007-03-15 Sms. Ac, Inc. Automated billing and distribution platform for application providers
US8874477B2 (en) 2005-10-04 2014-10-28 Steven Mark Hoffberg Multifactorial optimization system and method
EP2024921A4 (en) * 2005-10-06 2010-09-29 C Sam Inc Transactional services
US20130332343A1 (en) 2005-10-06 2013-12-12 C-Sam, Inc. Multi-tiered, secure mobile transactions ecosystem enabling platform comprising a personalization tier, a service tier, and an enabling tier
US7826421B2 (en) * 2006-03-20 2010-11-02 Sms.Ac, Inc. Application pod integration with automated mobile phone billing and distribution platform
US20080287095A1 (en) * 2006-03-20 2008-11-20 Sms.Ac Systems and methods for generation, registration and mobile phone billing of a network-enabled application with one-time opt-in
US20080052373A1 (en) * 2006-05-01 2008-02-28 Sms.Ac Systems and methods for a community-based user interface
US7835720B2 (en) * 2006-05-19 2010-11-16 Sms.Ac, Inc. Systems and methods for automatic generation, registration and mobile phone billing of a pod using third party web page content
US9094257B2 (en) 2006-06-30 2015-07-28 Centurylink Intellectual Property Llc System and method for selecting a content delivery network
US7765294B2 (en) 2006-06-30 2010-07-27 Embarq Holdings Company, Llc System and method for managing subscriber usage of a communications network
US8717911B2 (en) 2006-06-30 2014-05-06 Centurylink Intellectual Property Llc System and method for collecting network performance information
US8289965B2 (en) 2006-10-19 2012-10-16 Embarq Holdings Company, Llc System and method for establishing a communications session with an end-user based on the state of a network connection
US8488447B2 (en) 2006-06-30 2013-07-16 Centurylink Intellectual Property Llc System and method for adjusting code speed in a transmission path during call set-up due to reduced transmission performance
US8576722B2 (en) 2006-08-22 2013-11-05 Centurylink Intellectual Property Llc System and method for modifying connectivity fault management packets
US8199653B2 (en) 2006-08-22 2012-06-12 Embarq Holdings Company, Llc System and method for communicating network performance information over a packet network
US8228791B2 (en) 2006-08-22 2012-07-24 Embarq Holdings Company, Llc System and method for routing communications between packet networks based on intercarrier agreements
US8274905B2 (en) 2006-08-22 2012-09-25 Embarq Holdings Company, Llc System and method for displaying a graph representative of network performance over a time period
US8130793B2 (en) 2006-08-22 2012-03-06 Embarq Holdings Company, Llc System and method for enabling reciprocal billing for different types of communications over a packet network
US7684332B2 (en) 2006-08-22 2010-03-23 Embarq Holdings Company, Llc System and method for adjusting the window size of a TCP packet through network elements
US7843831B2 (en) 2006-08-22 2010-11-30 Embarq Holdings Company Llc System and method for routing data on a packet network
US8750158B2 (en) 2006-08-22 2014-06-10 Centurylink Intellectual Property Llc System and method for differentiated billing
US8549405B2 (en) 2006-08-22 2013-10-01 Centurylink Intellectual Property Llc System and method for displaying a graphical representation of a network to identify nodes and node segments on the network that are not operating normally
US8238253B2 (en) 2006-08-22 2012-08-07 Embarq Holdings Company, Llc System and method for monitoring interlayer devices and optimizing network performance
US8144587B2 (en) 2006-08-22 2012-03-27 Embarq Holdings Company, Llc System and method for load balancing network resources using a connection admission control engine
US8743703B2 (en) 2006-08-22 2014-06-03 Centurylink Intellectual Property Llc System and method for tracking application resource usage
US8619600B2 (en) 2006-08-22 2013-12-31 Centurylink Intellectual Property Llc System and method for establishing calls over a call path having best path metrics
US8537695B2 (en) 2006-08-22 2013-09-17 Centurylink Intellectual Property Llc System and method for establishing a call being received by a trunk on a packet network
US8064391B2 (en) 2006-08-22 2011-11-22 Embarq Holdings Company, Llc System and method for monitoring and optimizing network performance to a wireless device
US8015294B2 (en) 2006-08-22 2011-09-06 Embarq Holdings Company, LP Pin-hole firewall for communicating data packets on a packet network
US8224255B2 (en) 2006-08-22 2012-07-17 Embarq Holdings Company, Llc System and method for managing radio frequency windows
US8531954B2 (en) 2006-08-22 2013-09-10 Centurylink Intellectual Property Llc System and method for handling reservation requests with a connection admission control engine
US8223655B2 (en) 2006-08-22 2012-07-17 Embarq Holdings Company, Llc System and method for provisioning resources of a packet network based on collected network performance information
US8407765B2 (en) 2006-08-22 2013-03-26 Centurylink Intellectual Property Llc System and method for restricting access to network performance information tables
US8189468B2 (en) 2006-10-25 2012-05-29 Embarq Holdings, Company, LLC System and method for regulating messages between networks
US8307065B2 (en) 2006-08-22 2012-11-06 Centurylink Intellectual Property Llc System and method for remotely controlling network operators
US9479341B2 (en) 2006-08-22 2016-10-25 Centurylink Intellectual Property Llc System and method for initiating diagnostics on a packet network node
US8457630B2 (en) * 2006-08-25 2013-06-04 Research In Motion Limited System and method for transferring a device between mobile carriers
US20090024614A1 (en) * 2006-09-06 2009-01-22 Sms.Ac Systems and methods for online content searching
US8036979B1 (en) 2006-10-05 2011-10-11 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US8073117B2 (en) * 2006-11-10 2011-12-06 At&T Intellectual Property I, L.P. Rating communications and special communities
US20100017884A1 (en) * 2006-11-13 2010-01-21 M-Biz Global Company Limited Method for allowing full version content embedded in mobile device and system thereof
US8285656B1 (en) 2007-03-30 2012-10-09 Consumerinfo.Com, Inc. Systems and methods for data verification
WO2008147918A2 (en) 2007-05-25 2008-12-04 Experian Information Solutions, Inc. System and method for automated detection of never-pay data sets
WO2008148180A1 (en) * 2007-06-04 2008-12-11 Bce Inc. Methods and systems for validating online transactions using location information
GB2450193A (en) * 2007-06-12 2008-12-17 Cvon Innovations Ltd Method and system for managing credits via a mobile device
US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US20090320050A1 (en) * 2007-08-17 2009-12-24 Sms.Ac Mobile Network Community Platform Desktop API
US20090063178A1 (en) * 2007-08-17 2009-03-05 Sms.Ac Systems and methods for a mobile, community-based user interface
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US8068425B2 (en) 2008-04-09 2011-11-29 Embarq Holdings Company, Llc System and method for using network performance information to determine improved measures of path states
GB0809381D0 (en) * 2008-05-23 2008-07-02 Vidicom Ltd Funds transfer electronically
GB0809383D0 (en) 2008-05-23 2008-07-02 Vidicom Ltd Customer to supplier funds transfer
GB0809386D0 (en) * 2008-05-23 2008-07-02 Vidicom Ltd Transferring funds electronically
GB0809382D0 (en) * 2008-05-23 2008-07-02 Vidicom Ltd Funds transfer electronically
CA2725312A1 (en) * 2008-05-23 2009-11-26 Boku Supplier funds reception electronically
US8312033B1 (en) 2008-06-26 2012-11-13 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
WO2010039101A1 (en) * 2008-09-30 2010-04-08 Network For Electronic Transfers (Singapore) Pte Ltd Mobile payments
US8041639B2 (en) * 2009-01-23 2011-10-18 Vidicom Limited Systems and methods to facilitate online transactions
US8116730B2 (en) * 2009-01-23 2012-02-14 Vidicom Limited Systems and methods to control online transactions
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments
US8548426B2 (en) 2009-02-20 2013-10-01 Boku, Inc. Systems and methods to approve electronic payments
US9990623B2 (en) 2009-03-02 2018-06-05 Boku, Inc. Systems and methods to provide information
US9164700B2 (en) * 2009-03-05 2015-10-20 Sandisk Il Ltd System for optimizing the transfer of stored content in response to a triggering event
US8700530B2 (en) 2009-03-10 2014-04-15 Boku, Inc. Systems and methods to process user initiated transactions
US8160943B2 (en) * 2009-03-27 2012-04-17 Boku, Inc. Systems and methods to process transactions based on social networking
US8224727B2 (en) 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
US20100262506A1 (en) * 2009-04-08 2010-10-14 Microsoft Corporation Mobile content delivery on a mobile network
US8131258B2 (en) * 2009-04-20 2012-03-06 Boku, Inc. Systems and methods to process transaction requests
WO2010132492A2 (en) 2009-05-11 2010-11-18 Experian Marketing Solutions, Inc. Systems and methods for providing anonymized user profile data
US9595028B2 (en) 2009-06-08 2017-03-14 Boku, Inc. Systems and methods to add funds to an account via a mobile communication device
US9697510B2 (en) 2009-07-23 2017-07-04 Boku, Inc. Systems and methods to facilitate retail transactions
US9519892B2 (en) 2009-08-04 2016-12-13 Boku, Inc. Systems and methods to accelerate transactions
US8660911B2 (en) 2009-09-23 2014-02-25 Boku, Inc. Systems and methods to facilitate online transactions
US8224709B2 (en) 2009-10-01 2012-07-17 Boku, Inc. Systems and methods for pre-defined purchases on a mobile communication device
US8412626B2 (en) 2009-12-10 2013-04-02 Boku, Inc. Systems and methods to secure transactions via mobile devices
US8566188B2 (en) 2010-01-13 2013-10-22 Boku, Inc. Systems and methods to route messages to facilitate online transactions
US8219542B2 (en) * 2010-03-25 2012-07-10 Boku, Inc. Systems and methods to provide access control via mobile phones
US8583504B2 (en) 2010-03-29 2013-11-12 Boku, Inc. Systems and methods to provide offers on mobile devices
US20110238483A1 (en) * 2010-03-29 2011-09-29 Boku, Inc. Systems and Methods to Distribute and Redeem Offers
US8355987B2 (en) 2010-05-06 2013-01-15 Boku, Inc. Systems and methods to manage information
AU2011289300B2 (en) 2010-08-11 2014-11-13 Boku, Inc. Systems and methods to identify carrier information for transmission of premium messages
US9152727B1 (en) 2010-08-23 2015-10-06 Experian Marketing Solutions, Inc. Systems and methods for processing consumer information for targeted marketing applications
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US8699994B2 (en) 2010-12-16 2014-04-15 Boku, Inc. Systems and methods to selectively authenticate via mobile communications
US8412155B2 (en) 2010-12-20 2013-04-02 Boku, Inc. Systems and methods to accelerate transactions based on predictions
US8583496B2 (en) 2010-12-29 2013-11-12 Boku, Inc. Systems and methods to process payments via account identifiers and phone numbers
US8700524B2 (en) 2011-01-04 2014-04-15 Boku, Inc. Systems and methods to restrict payment transactions
WO2012116329A1 (en) * 2011-02-25 2012-08-30 Store Financial Services, Llc Method and system for activation and funding of prepaid card accounts within a restricted authorization network
US8543087B2 (en) 2011-04-26 2013-09-24 Boku, Inc. Systems and methods to facilitate repeated purchases
US9191217B2 (en) 2011-04-28 2015-11-17 Boku, Inc. Systems and methods to process donations
US9830622B1 (en) 2011-04-28 2017-11-28 Boku, Inc. Systems and methods to process donations
WO2012151325A1 (en) * 2011-05-05 2012-11-08 Boku, Inc. Systems and methods to suggest prices
IN2014KN00998A (en) 2011-10-12 2015-09-04 C Sam Inc
KR101844304B1 (en) * 2011-12-06 2018-05-15 삼성전자주식회사 Method based on ims mobile communication system for sponsored service
US20140156528A1 (en) * 2012-11-30 2014-06-05 Stephen Frechette Method and system for secure mobile payment of a vendor or service provider via a demand draft
US9697263B1 (en) 2013-03-04 2017-07-04 Experian Information Solutions, Inc. Consumer data request fulfillment system
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US10102536B1 (en) 2013-11-15 2018-10-16 Experian Information Solutions, Inc. Micro-geographic aggregation system
US9529851B1 (en) 2013-12-02 2016-12-27 Experian Information Solutions, Inc. Server architecture for electronic data quality processing
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US9576030B1 (en) 2014-05-07 2017-02-21 Consumerinfo.Com, Inc. Keeping up with the joneses
US11257117B1 (en) 2014-06-25 2022-02-22 Experian Information Solutions, Inc. Mobile device sighting location analytics and profiling system
CN107111810A (en) * 2014-10-13 2017-08-29 万事达卡国际股份有限公司 Method and system for direct operator's charging
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US9767309B1 (en) 2015-11-23 2017-09-19 Experian Information Solutions, Inc. Access control system for implementing access restrictions of regulated database records while identifying and providing indicators of regulated database records matching validation criteria
US10762505B1 (en) 2016-06-13 2020-09-01 Wells Fargo Bank, N.A. Authentication transaction
WO2018039377A1 (en) 2016-08-24 2018-03-01 Experian Information Solutions, Inc. Disambiguation and authentication of device users
US10164977B2 (en) * 2016-11-17 2018-12-25 Avaya Inc. Mobile caller authentication for contact centers
WO2018144612A1 (en) 2017-01-31 2018-08-09 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US10511454B2 (en) * 2017-03-09 2019-12-17 Facebook, Inc. Methods and systems for implementing differential pricing configurations
CN107104806A (en) * 2017-04-13 2017-08-29 中国联合网络通信集团有限公司 Call bill processing method, apparatus and system
US10769618B2 (en) 2018-07-10 2020-09-08 Capital One Services, Llc Systems and methods for temporarily activating a payment account for fraud prevention
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US10963434B1 (en) 2018-09-07 2021-03-30 Experian Information Solutions, Inc. Data architecture for supporting multiple search models
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
US11682041B1 (en) 2020-01-13 2023-06-20 Experian Marketing Solutions, Llc Systems and methods of a tracking analytics platform
US11880377B1 (en) 2021-03-26 2024-01-23 Experian Information Solutions, Inc. Systems and methods for entity resolution

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020143634A1 (en) * 2001-03-30 2002-10-03 Kumar K. Anand Wireless payment system
US20030200184A1 (en) * 2002-04-17 2003-10-23 Visa International Service Association Mobile account authentication service
US20040267618A1 (en) * 2003-06-30 2004-12-30 International Business Machines Corporation Method and system for secured transactions over a wireless network
US20040267663A1 (en) * 2003-04-09 2004-12-30 Michael Karns Electronic payment system

Family Cites Families (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2179523A1 (en) * 1993-12-23 1995-06-29 David A. Boulton Method and apparatus for implementing user feedback
US6029141A (en) * 1997-06-27 2000-02-22 Amazon.Com, Inc. Internet-based customer referral system
US7433832B1 (en) * 1999-11-19 2008-10-07 Amazon.Com, Inc. Methods and systems for distributing information within a dynamically defined community
US7120606B1 (en) * 2000-02-10 2006-10-10 Jove Corporation System and method for secure electronic fund transfers
US7725385B2 (en) * 2000-03-29 2010-05-25 American Express Travel Related Services Company, Inc. System and method for facilitating the handling of a dispute using disparate architectures
US8046256B2 (en) * 2000-04-14 2011-10-25 American Express Travel Related Services Company, Inc. System and method for using loyalty rewards as currency
US6957199B1 (en) * 2000-08-30 2005-10-18 Douglas Fisher Method, system and service for conducting authenticated business transactions
KR20020043449A (en) * 2000-09-07 2002-06-10 츠츠이 유이치로 Information distribution server system, information distribution method, and recording medium
FR2815745B1 (en) * 2000-10-25 2003-01-10 Cedric Remy SECURE TELEMATICS PAYMENT METHOD
US20020107706A1 (en) * 2001-02-02 2002-08-08 Oliver Mitchell B. Virtual negotiation
US20020194126A1 (en) * 2001-04-30 2002-12-19 Randell Wayne L. Method and system for handling invoices
US20020198830A1 (en) * 2001-05-01 2002-12-26 Randell Wayne L. Method and system for handling disputes in an electronic invoice management system
US7440922B1 (en) * 2001-05-04 2008-10-21 West Corporation System, method, and business method for settling micropayment transactions to a pre-paid instrument
US7017162B2 (en) * 2001-07-10 2006-03-21 Microsoft Corporation Application program interface for network software platform
SE0200490L (en) * 2002-02-19 2003-08-20 Tds Todos Data System Ab Electronic micro payment system
US7283981B2 (en) * 2002-04-30 2007-10-16 Deluxe Corporation Browser-based system for ordering financial products
US20040043753A1 (en) * 2002-08-30 2004-03-04 Wake Susan L. System and method for third party application sales and services to wireless devices
JP4217455B2 (en) * 2002-10-15 2009-02-04 キヤノン株式会社 Peripheral device, information processing method, and control program
EP1588335A1 (en) * 2003-01-22 2005-10-26 Valista Limited Cash based purchasing using mobile communication
US9232077B2 (en) * 2003-03-12 2016-01-05 Qualcomm Incorporated Automatic subscription system for applications and services provided to wireless devices
US7870199B2 (en) * 2003-10-06 2011-01-11 Aol Inc. System and method for seamlessly bringing external services into instant messaging session
US20070067297A1 (en) * 2004-04-30 2007-03-22 Kublickis Peter J System and methods for a micropayment-enabled marketplace with permission-based, self-service, precision-targeted delivery of advertising, entertainment and informational content and relationship marketing to anonymous internet users
US20050289047A1 (en) * 2004-06-28 2005-12-29 Oliver Mitchell B Virtual marketplace for wireless device applications and services with integrated multi-party settlement
US8027918B2 (en) * 2004-08-30 2011-09-27 Google Inc. Micro-payment system architecture
US20070288370A1 (en) * 2004-11-12 2007-12-13 Konja Dolor J Proprietary point of purchase resource system
JP4590282B2 (en) * 2005-02-24 2010-12-01 キヤノン株式会社 License management apparatus, control method, and program
US20060258397A1 (en) * 2005-05-10 2006-11-16 Kaplan Mark M Integrated mobile application server and communication gateway
US7283816B2 (en) * 2005-04-14 2007-10-16 Qualcomm Incorporated Apparatus and process for a universal diagnostic monitor module on a wireless device
US8996423B2 (en) * 2005-04-19 2015-03-31 Microsoft Corporation Authentication for a commercial transaction using a mobile module
EP1902414A2 (en) 2005-06-06 2008-03-26 SMS. AC, Inc. Billing system and method for micro-transactions
MX2008012504A (en) * 2006-03-30 2009-05-05 Obopay Inc Mobile person-to-person payment system.
US20070244811A1 (en) * 2006-03-30 2007-10-18 Obopay Inc. Mobile Client Application for Mobile Payments

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020143634A1 (en) * 2001-03-30 2002-10-03 Kumar K. Anand Wireless payment system
US20030200184A1 (en) * 2002-04-17 2003-10-23 Visa International Service Association Mobile account authentication service
US20040267663A1 (en) * 2003-04-09 2004-12-30 Michael Karns Electronic payment system
US20040267618A1 (en) * 2003-06-30 2004-12-30 International Business Machines Corporation Method and system for secured transactions over a wireless network

Also Published As

Publication number Publication date
US8073774B2 (en) 2011-12-06
WO2006133141A2 (en) 2006-12-14
US20120143737A1 (en) 2012-06-07
AU2006255078A1 (en) 2006-12-14
EP1902414A2 (en) 2008-03-26
CA2610216A1 (en) 2006-12-14
US20060276171A1 (en) 2006-12-07

Similar Documents

Publication Publication Date Title
WO2006133141A3 (en) Billing system and method for micro-transactions
WO2008067313A3 (en) System and method for verification of identity for transactions
WO2007081833A3 (en) Billing a rented third party transport including an on-board unit
WO2009042258A3 (en) Verifying dynamic transaction security code in payment card system
WO2008089383A3 (en) Systems and method for secure wireless payment transactions
WO2010009059A3 (en) Systems and methods for transferring value
WO2012027694A3 (en) Account number based bill payment platform apparatuses, methods and systems
WO2007050204A3 (en) Automatically managing rental vehicles
WO2007114970A3 (en) System and methods for performing distributed payment transactions
WO2010101869A3 (en) System and method for account level blocking
WO2005104725A3 (en) Automated financial service system
WO2003075197A3 (en) Online financial transaction veracity assurance mechanism
WO2007038743A3 (en) Device, system and method for reducing an interaction time for a contactless transaction
WO2006074285A3 (en) Method and system for determining healthcare eligibility
WO2009010979A3 (en) Cellphone activated atm transactions
WO2007061505A3 (en) Internet funds transfer system using atm pickup
WO2007059004A3 (en) Fuel dispenser management
WO2007064584A3 (en) Network-based verification and fraud prevention systems
WO2007083319A3 (en) Method and system for making a payment through a mobile communication device
WO2006044471A3 (en) System and method for facilitating a wireless financial transaction
WO2009023258A3 (en) Machine-implemented system and method for providing timed targeted promotional offers to individual payment account users with feedback
WO2007008860A3 (en) Secure electronic transactions between a mobile device and other mobile, fixed or virtual devices
UA101469C2 (en) Transaction authorization system and method of use thereof
WO2005069917A3 (en) Application-based value billing in a wireless subscriber network
WO2011066173A3 (en) Method and system for delayed payment of prepaid cards

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: 2006255078

Country of ref document: AU

ENP Entry into the national phase

Ref document number: 2610216

Country of ref document: CA

NENP Non-entry into the national phase

Ref country code: DE

ENP Entry into the national phase

Ref document number: 2006255078

Country of ref document: AU

Date of ref document: 20060606

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 2006772228

Country of ref document: EP